APA
Fernandes E. M. P. B., Pilar B. & IBM Global Services India Pvt Ltd. (2006). SMS banking: a web based application. Bangalore: .
Chicago
Fernandes Elson Merwin Pilar Bharathi, Pilar Bharathi and IBM Global Services India Pvt Ltd. 2006. SMS banking: a web based application. Bangalore: .
Harvard
Fernandes E. M. P. B., Pilar B. and IBM Global Services India Pvt Ltd. (2006). SMS banking: a web based application. Bangalore: .
MLA
Fernandes Elson Merwin Pilar Bharathi, Pilar Bharathi and IBM Global Services India Pvt Ltd. SMS banking: a web based application. Bangalore: . 2006.
